<img height="1" width="1" style="display:none" src="https://www.facebook.com/tr?id=1287337444700240&amp;ev=PageView&amp;noscript=1">
USALLIANCE Visa® Classic Card - Special Intro Rate: 1.99% APR
USALLIANCE

Compare Our Cards

With no annual fees and no penalty APRs, how can you go wrong? Find the card that's right for you.

 
Get Rewarded

USALLIANCE Visa Signature

USALLIANCE Visa Signature

Apply Now
Already a member? Sign in to apply

Get the Best Rates

USALLIANCE Visa Classic

USALLIANCE Visa Classic

Apply Now
Already a member? Sign in to apply

Grow Your Credit

USALLIANCE Visa Secured

USALLIANCE Visa Secured

Apply Now
Already a member? Sign in to apply

New Cardmember Offer

4.99% Introductory APR* for 180 days from the issuance of the card. 2,000 Bonus Rewards Points after your first purchase.

No current offer. Check with our Member Services team for info on upcoming card promotions.

No current offer. Check with our Member Services team for info on upcoming card promotions.

Purchase Rate

12.24% APR* (As low as)

10.24% APR* (As low as)

18.00% APR* when you open your account. This APR will vary with the market based on the Prime Rate.

Balance Transfers

12.24% APR* (As low as)

10.24% APR* (As low as)

18.00% when you open your account. This APR* will vary with the market based on the Prime Rate.

Annual Fee

No annual fee

No annual fee

No annual fee

Earning Rewards

Earn one point for every dollar on qualifying purchases

None

None

Unique Benefits

  • Visa Signature Concierge services, cell phone protection, personal identity theft protection and price protection.
    View our benefits guide.
  • Cash advances and balance transfers at low fees.
  • None

Shared Benefits

  • Great Rates!
  • No annual fee or penalty APR*.
  • 24/7 fraud protection tracking to keep an eye out for unusual (and suspicious) activity.
  • Get your monthly credit score absolutely FREE on Mobile Banking.
  • Auto rental coverage for damage, collision and theft.
  • Account Alerts to help you better manage your credit account. Choose either email or text delivery.
  • Buy with confidence – our cards offer extended warranty coverage.
  • Pay with your mobile device using Apple Pay®, Samsung Pay®, Google Pay™, or VISA Checkout.**
  • Micro-chip technology for enhanced security.
USALLIANCE

Visa Signature Credit Card

USALLIANCE Visa Signature

Our rewards credit card. Earn one point for every dollar on qualifying purchases, plus perks on travel and purchase discounts.

  • Rates as low as 12.24% APR*.
  • Earn one point for every dollar on qualifying purchases.
  • Exclusive cardholder benefits including Visa Signature Concierge services, cell phone protection, personal identity theft protection and price protection.

Learn More

USALLIANCE

Visa Classic Credit Card

USALLIANCE Visa Classic

Our simplest credit card. No annual fees, no penalty APRs, and the same great low rate on purchases, balance transfers, and cash advances.

  • Rates as low as 10.24% APR*.
  • Cash advances and balance transfers at low fees.

Learn More

USALLIANCE

Visa Secured Credit Card

USALLIANCE Visa Secured

The perfect choice for those looking to establish or rebuild credit.

  • Rates as low as 18.00% APR*.
  • Works like a traditional credit card.
  • Minimum $250 security deposit required (placed in a savings account).

Learn More

USALLIANCE VISA® CREDIT CARD APPLICATION AND SOLICITATION DISCLOSURE

+ Show All

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

Visa Signature

4.99% introductory APR for the first 18 billing cycles following the opening of your account based on your creditworthiness when you open your account.

After that, your APR will be 12.24%, 12.49%, 14.49%, 14.49% or 18.00% based on your creditworthiness when you open your account. This APR will vary with the market based on the Prime Rate.

Throwback Visa Classic

10.24%, 10.49%, 12.49%, 12.49% or 18.00% based on your creditworthiness when you open your account. This APR will vary with the market based on the Prime Rate.

Visa Classic Secured

18.00%, 18.00%, 18.00%, 18.00% or 18.00% based on your creditworthiness when you open your account. This APR will vary with the market based on the Prime Rate.

APR for Balance Transfers

Visa Signature

4.99% introductory APR on balance transfers for the first 18 billing cycles following the opening of your account.

After that, your APR will be 12.24%, 12.49%, 14.49%, 14.49% or 18.00% based on your creditworthiness when you open your account. This APR will vary with the market based on the Prime Rate.

Throwback Visa Classic

10.24%, 10.49%, 12.49%, 12.49% or 18.00% based on your creditworthiness when you open your account. This APR will vary with the market based on the Prime Rate.

Visa Classic Secured

18.00%, 18.00%, 18.00%, 18.00% or 18.00% based on your creditworthiness when you open your account. This APR will vary with the market based on the Prime Rate.

APR for Cash Advances

Visa Signature

12.24%, 12.49%, 14.49%, 14.49% or 18.00% based on your creditworthiness when you open your account. This APR will vary with the market based on the Prime Rate.

Throwback Visa Classic

10.24%, 10.49%, 12.49% 12.49% or 18.00% based on your creditworthiness when you open your account. This APR will vary with the market based on the Prime Rate.

Visa Classic Secured

18.00%, 18.00%, 18.00%, 18.00% or 18.00% based on your creditworthiness when you open your account. This APR will vary with the market based on the Prime Rate.

How to Avoid Paying Interest on Purchases

Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month.

For Credit Card Tips from the Consumer Financial Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore

Fees

Annual Fee

None

Transaction Fees

 

· Balance Transfer - Visa Signature

$10.00 or 5% of the amount of each transfer, whichever is greater.

· Balance Transfer - Throwback Visa Classic, Visa Classic Secured

$10.00 or 3% of the amount of each transfer, whichever is greater.

· Cash Advance - Visa Signature

$10.00 or 5% of the amount of each cash advance, whichever is greater.

· Cash Advance - Throwback Visa Classic, Visa Classic Secured

$10.00 or 3% of the amount of each cash advance, whichever is greater.

· Foreign Transaction

1% of the transaction amount in U.S. dollars.

Penalty Fees

 

· Late Payment

Up to $38.00

· Returned Payment

Up to$25.00

How We Will Calculate Your Balance:
We use a method called "average daily balance (including new purchases)."

Promotional Period for Introductory APR - Visa Signature:
The Introductory APR for purchases and balance transfers will apply to transactions posted to your account during the first six months following the opening of your account.

Effective Date:
The information about the costs of the card described in this application is accurate as of: December 1, 2019. This information may have changed after that date. To find out what may have changed, contact the Credit Union.

For California Borrowers, the Visa Signature, Throwback Visa Classic and Visa Classic Secured are secured credit cards. Credit extended under this credit card account is secured by various personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings. Notwithstanding the foregoing, you acknowledge and agree that during any periods when you are a covered borrower under the Military Lending Act your credit card will be secured by any specific Pledge of Shares you grant us but will not be secured by all shares you have in any individual or joint account with the Credit Union. For clarity, you will not be deemed a covered borrower if: (i) you establish your credit card account when you are not a covered borrower; or (ii) you cease to be a covered borrower.

Other Fees & Disclosures:

Late Payment Fee:
$27.00 or the amount of the required minimum payment, whichever is less, if you are one or more days late in making a payment. In the event you fail to make a payment on time in any of the six billing cycles following the initial violation, you will be charged $38.00 or the amount of the required minimum payment, whichever is less.

Balance Transfer Fee (Finance Charge) - Visa Signature:
$10.00 or 5.00% of the amount of each balance transfer, whichever is greater.

Balance Transfer Fee (Finance Charge) - Throwback Visa Classic, Visa Classic Secured:
$10.00 or 3.00% of the amount of each balance transfer, whichever is greater.

Cash Advance Fee (Finance Charge) - Visa Signature:
$10.00 or 5.00% of the amount of each cash advance, whichever is greater.

Cash Advance Fee (Finance Charge) - Throwback Visa Classic, Visa Classic Secured:
$10.00 or 3.00% of the amount of each cash advance, whichever is greater.

Returned Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less.

Card Replacement Fee:
$15.00.

Emergency Card Replacement Fee:
$50.00.

Pay-by-Phone Fee:
$5.00.

Rush Fee:
$30.00.

Statement Copy Fee:
$10.00.